The FNBO is a personal credit card from FNBO. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 26.24% variable after a 0% intro APR for 6 billing cycles on Northern Tool purchases of at least $500, each time introductory rate for 6 months. Signup bonus: Earn 8,500 Rewards Points after first purchase ($85 value). Rewards: 3% back at Northern Tool, 2% back on Gas & Groceries, 1% back on Other Purchases. Cash back: 3% back at Northern Tool, 2% back on Gas & Groceries, 1% back on Other Purchases. This product reports activity to your personal credit report. Store credit card for Northern Tool + Equipment purchases.